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Weekend Reading For Financial Planners (March 15–16)

Nerd's Eye View

Which, if implemented under the new administration, could provide relief for investment advisers, particularly smaller firms that already have to balance compliance with client service, marketing, and the other duties that go into running a firm.

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How to sniff out a lying grifter in a Form ADV

Sara Grillo

A Form ADV, according to definition by the SEC , is a legal document that anyone who is holding him or herself out as a professional financial advisor in the United States must file with the SEC, whether they are state or Federally registered. You should check the advisor’s CRD number and see if it matches what they sent you.

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Key Trends and Concerns for Investors in 2025

WiserAdvisor

The shifts you are seeing today have the potential to have a definite effect on the stock market in the near future. Want some numbers to back that up? Securities and Exchange Commission (SEC) made a historic move by approving several spot Bitcoin ETFs. So, if you want to stay ahead of the curve, it is time to pay attention.

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The Ultimate Guide to Tax-Loss Harvesting

Harness Wealth

As effective as tax-loss harvesting can be, there are a number of important details that investors need to be aware of in order to implement the strategy successfully while following regulations. The IRS doesnt provide a precise definition for “substantially identical” securities.

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Empower (formerly Personal Capital) Review – Managing All Your Investments in One Place

Good Financial Cents

Mint does a fantastic job of giving you numbers, but falls short on providing any financial insight. They charge either a percentage of assets managed or a flat hourly rate that can run as high as several hundred dollars per hour, plus trading commissions and administrative fees. And, that’s it. There are no additional fees.

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Are No-Fee Custodians Really Free?

Walkner Condon Financial Advisors

In recent years, many of these custodians have gone away from transaction costs for trading securities per trade and have adopted a “Zero-Commission” or “No-Fee” model. Many custodians do not charge commissions or account level fees and brand this service as a “No-Fee” account. Expense Ratios, Servicing Fees & More.

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Is Active vs. Passive Actually Passé?

ClearMoney

A more nuanced framework takes the spirit of active and passive definitions—betting against market prices vs. embracing them—and examines how it applies to an investment’s underlying philosophy and implementation. However, this stretches the definition of “passive.”